Federal credit union · BRADFORD, Pennsylvania · NCUA charter #13823
Bradford Area
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $11.6M
- Total assets
- 1,398
- Members
- 13.1%
- Net-worth ratio
Bradford Area scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.6M; members 1,398; net-worth ratio 13.09%; health rank #2,852 of 4,374; healthier than 33rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,852 of 4,374 health · 2025Q4Bradford Area · health 79/100 · $11.6M · 2025Q4
Call Report peers
Bradford Area in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bradford Area vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Bradford Area sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Bradford Area vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 64.74% vs peer 59.80% (+4.94 pp).
- Net Worth Ratio trails the peer set - 13.09% here, 14.86% peer average (-1.77 pp).
Where Bradford Area sits in Pennsylvania
- Health composite ranks #166 of 275 among scored Pennsylvania credit unions.
- Pennsylvania assets place: #206 of 275.
- Membership ranks #194 of 275 among Pennsylvania CUs with a reported count (1,398 members).
- One place up in Pennsylvania, Fayette Federal Employees (#165) ties at 79/100; one place down, P C (#167) ties at 79/100.
Quarter path for Bradford Area
Bradford Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $11.6M (2025Q4) to $11.9M (2026Q1).
- Net-worth ratio shifted -0.13 pp (13.22% → 13.09%).
13.09% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
Bradford Area gives up 21 points in total. Return on Assets costs the most, 11 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.8 pts
- Return on Assets 4.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 13.5 pts
Call Report ratios for Bradford Area
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.09% | -1.77 pp |
| Delinquency Rate | 0.62% | -0.53 pp |
| Return on Assets | -0.06% | -0.76 pp |
| Member Growth | -0.71% | - |
| Loan-to-Share Ratio | 64.74% | +4.94 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Bradford Area
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.9M | - |
| 2025Q4 | $11.6M | 1,398 |
| 2024Q4 | $11.5M | 1,408 |
| 2023Q4 | $9.7M | 1,668 |
Credit Union Details
- Charter Number
- 13823
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- BRADFORD
- Data Quarter
- 2025Q4
Branch Location
Bradford Area operates a single office in Bradford, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Bradford Area Federal Credit Union (Main Office) | Bradford, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Bradford Area nationwide neighbourhoods
Similar total assets
Using this data
- Bradford Area ranks #2,852 of 4,374 nationally on financial health and #166 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PITTSBURGH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PITTSBURGH
Frequently Asked Questions
Is Bradford Area financially healthy?
Bradford Area has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,852 of 4,374 nationally on health and #166 of 275 in Pennsylvania. Its net worth ratio is 13.09% and its delinquency rate 0.62%.
How does Bradford Area compare to other credit unions?
Bradford Area scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (64.74% vs 59.80%). Its widest shortfall is net worth ratio (13.09% vs 14.86%).
How can I join Bradford Area?
Bradford Area operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Bradford Area directly for the exact boundaries and application steps.
Is my money safe at Bradford Area?
Bradford Area is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Bradford Area's net worth ratio of 13.09% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.